Guess who's approved for a CSP?????

unc0mm0n1 · ‎05-03-2013

So I wasn't going to apply. I was content with the garden after I got my Chase Freedom and Discover It. I was going to allow my credit scores to rebuild esp. since my age of accounts is less than 9 months now. I know I should have waited until I had the freedom for six months ( I got it 2 weeks ago) or until I opened a checking account with them. All of the advice on this board is spot on and I really wasn't going to apply but I'm working in London for the summer and I really wanted a card that had great benefits without the foreign transaction fees . But I had finals and I was grumpy and I kept seeing all of these success stories and the 40k points were calling out my name. So I went online and applied and.......... I got the dreaded 7-10 days notice last night . Then I called the recon number today and "TADA" I'm the newest member of the CSP family . Thanks for all your help guys. I couldn't have done it without you.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board

afbar1114 · ‎05-03-2013

What was your limit? What is your report like? utl?

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

armbenderc · ‎05-03-2013

@unc0mm0n1 wrote:
So I wasn't going to apply. I was content with the garden after I got my Chase Freedom and Discover It. I was going to allow my credit scores to rebuild esp. since my age of accounts is less than 9 months now. I know I should have waited until I had the freedom for six months ( I got it 2 weeks ago) or until I opened a checking account with them. All of the advice on this board is spot on and I really wasn't going to apply but I'm working in London for the summer and I really wanted a card that had great benefits without the foreign transaction fees . But I had finals and I was grumpy and I kept seeing all of these success stories and the 40k points were calling out my name. So I went online and applied and.......... I got the dreaded 7-10 days notice last night . Then I called the recon number today and "TADA" I'm the newest member of the CSP family . Thanks for all your help guys. I couldn't have done it without you.

Wow, I think I will app for the CSP MC version when I get my 3x cli with amex

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

VirtualCuriosity · ‎05-03-2013

@unc0mm0n1 wrote:
So I wasn't going to apply. I was content with the garden after I got my Chase Freedom and Discover It. I was going to allow my credit scores to rebuild esp. since my age of accounts is less than 9 months now. I know I should have waited until I had the freedom for six months ( I got it 2 weeks ago) or until I opened a checking account with them. All of the advice on this board is spot on and I really wasn't going to apply but I'm working in London for the summer and I really wanted a card that had great benefits without the foreign transaction fees . But I had finals and I was grumpy and I kept seeing all of these success stories and the 40k points were calling out my name. So I went online and applied and.......... I got the dreaded 7-10 days notice last night . Then I called the recon number today and "TADA" I'm the newest member of the CSP family . Thanks for all your help guys. I couldn't have done it without you.

LMAO. So many successful apps from the garden sound so similar... BUT, CONGRATS to you!!! lol

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

unc0mm0n1 · ‎05-03-2013

@afbar1114 wrote:
What was your limit? What is your report like? utl?

3 none chase CC inqs (5 total) in the last 2 years. (1 being the freedom and another being a rental application). Available credit 35k. Util 1%. AAoA 8 months. Oldest little over 2yrs. Income is a little tricky. I'm not sure what they put down. This year I'm making 60k but I have an offer from my law firm for 225k after I pass the bar. During the recon for my Chase i sent the offer letter to them not sure if they used it in the calculations. My CL is the same as my Freedom 5k.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board

unc0mm0n1 · ‎05-03-2013

@VirtualCuriosity wrote:
LMAO. So many successful apps from the garden sound so similar... BUT, CONGRATS to you!!! lol

Yeah but the good thing is the only other card I want now is the BCP. Although it might be a while before I apply for it. I'm going to be living in Europe for a few years and the 6%-3% stuff is only good at US grocery stores and US gas stations.

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board

LS2982 · ‎05-03-2013

@unc0mm0n1 wrote:
@VirtualCuriosity wrote:
LMAO. So many successful apps from the garden sound so similar... BUT, CONGRATS to you!!! lol

Yeah but the good thing is the only other card I want now is the BCP. Although it might be a while before I apply for it. I'm going to be living in Europe for a few years and the 6%-3% stuff is only good at US grocery stores and US gas stations.

Yea but........LMAO!

CONGRATS!!!

Now get to some real gardening!!

EQ FICO 548 3/3/16

unc0mm0n1 · ‎05-03-2013

I'm on my way .

Last App March 23, 2015. Gardening until November 25, 2015
Current Score: 766 EX 734 EQ 780 TU 6/30/2015Starting Score/Goal Score: 580s/780s across the board

withaspark · ‎05-03-2013

Congratulations, OP! Based on your signature, looks like you've come a long way--something to be proud of.

09Lexie · ‎05-03-2013

Well done! Good luck on passing the bar!

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